Health insurance in Indiana, 2027
Four insurers sell Marketplace plans in Indiana for 2027, two are leaving, and rates are up. Adults with low income get HIP, which adds work rules in January.
Last checked October 26, 2026 · Written by licensed advisors · Sources are numbered and listed under Notes and sources
Four insurers for 2027, and two leaving
The Indiana Department of Insurance lists four insurers selling 2027 plans on HealthCare.gov: AmeriHealth Caritas Indiana, Anthem, Coordinated Care Corporation and UnitedHealthcare. Coordinated Care is the only one filed in all 92 counties. Anthem covers 85, UnitedHealthcare grows from 5 counties to 36, and AmeriHealth Caritas is new to the Indiana Marketplace in 7.
Cigna and CareSource won’t sell Indiana Marketplace plans in 2027. If either one covers you now, pick a new plan by December 15 so it starts January 1.12
- New for 2027
- 7 counties
- 85 counties
- All 92 counties
- 36 counties, up from 5
Heads up: Offered an Indiana Marketplace plan from an insurer that isn’t one of the four above? The Department of Insurance asks you to report it to the Indiana Attorney General.
Indiana plans for 2027, checked for you
A Certified Insurance Advisor compares the plans sold in Indiana, checks your doctors and prescriptions, and helps you apply, at no cost to you.
By calling this number, you will reach a licensed insurance agent.
What full price looks like before a tax credit
Insurers asked for an average rise of 19.7% for 2027, and the state approved 17.5%. The state also publishes each insurer’s average monthly premium across all its metal levels, before any tax credit. These are averages, not your price: your age, county and plan move the number, and with income between the HIP line and 4 times the poverty level, a tax credit may lower it.1
HIP: Medicaid for adults, with a POWER account
Hoosiers 19 to 64 with income under 138% of the poverty level ($22,025 for one person) are covered by the Healthy Indiana Plan, HIP. Most members put $1 to $20 a month into a POWER account, more for smokers. That buys HIP Plus, which adds vision, dental and chiropractic care and has no copays except for a non-emergency ER visit.
Under the poverty line, a member who doesn’t pay drops to HIP Basic, with copays for most care and no vision, dental or chiropractic. Above it, skipping the contribution removes you from HIP. HIP members choose Anthem, CareSource or MHS as their health plan, and can switch for next year by calling 877-GET-HIP-9 between November 1 and December 15. Children qualify for Indiana’s children’s coverage up to 255% of the poverty level.3456
- $1 to $20 a month to a POWER account
- Vision, dental, chiropractic
- No copays (non-emergency ER aside)
- Only if income is under the poverty line
- No vision, dental or chiropractic
- Copays for most care (not preventive care)
HIP work requirements from January 1, 2027
Who it affects: HIP members and applicants aged 19 to 64 who aren’t pregnant and aren’t enrolled in or eligible for Medicare.
Indiana’s Family and Social Services Administration (FSSA) will ask for 80 hours a month of work, half-time school, an apprenticeship, a work program or volunteering, in any mix. The state checks every three months, and HIP renews every six.
You’re excused for a month if, on at least one day of it, you care for a child 13 or younger or a person with a disability, are pregnant or within 12 months after, are medically frail, are in drug or alcohol treatment, already follow SNAP or TANF work rules, or meet another listed exemption. FSSA runs an anonymous pre-screening tool at hipworkscreen.in.gov. Report changes within 10 days at FSSABenefits.IN.gov or by calling DFR at 1-800-403-0864.78
What to do: Got an FSSA notice? Call us before the date on it.
Signing up in Indiana
Indiana has no exchange of its own. You apply on HealthCare.gov or through a licensed agent, and 300,049 Hoosiers chose a Marketplace plan for 2026. Plans picked between November 1 and December 15 start January 1, 2027; picks from December 16 to January 15 start February 1. Free certified Indiana Navigators help too; the Department of Insurance has a navigator finder.910114
- November 1Marketplace open enrollment opens; HIP plan switching opens (key step)
- December 15Marketplace pick for a January 1 start; last day to switch HIP plans (key step)
- January 1, 2027HIP work requirements begin
- January 15Marketplace open enrollment closes; picks after December 15 start February 1
Heads up: A plan chosen after December 15 starts February 1. If you have no other coverage in January, that month is uncovered.
Comparing Indiana plans with us
We’re licensed in Indiana and help by phone and video from Chicago. Tell us your county, doctors and prescriptions, and we line up the 2027 plans from the insurers that sell there, at no cost to you.12
Ready to see your Indiana options? An advisor is one call away.
By calling this number, you will reach a licensed insurance agent.
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Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency. This guide is general information, not tax or legal advice.